How is TreasuryFlow different from Float?

Float syncs with QuickBooks or Xero — your cash position is only as current as your accounting entries. TreasuryFlow connects directly to your bank accounts via Plaid, so your cash position reflects transactions the moment they clear. TreasuryFlow also works as a native Microsoft Excel add-in, while Float is web-only.

Does Float connect directly to bank accounts?

No. Float reads from QuickBooks Online or Xero. If your accounting entries are 24–48 hours delayed, your Float forecast is equally delayed. TreasuryFlow pulls live bank feeds via Plaid with no accounting software intermediary required.

How much does Float cost vs TreasuryFlow?

Float pricing is revenue-based, starting around $31/month and climbing with your revenue, entities, and features. TreasuryFlow is $99/month per company — unlimited banks and your whole team included. Native Excel add-in, AI treasury assistant, and daily morning digest email are included.

Does TreasuryFlow work inside Excel like Float?

TreasuryFlow offers a native Microsoft Excel Add-in that appears as a task pane inside your existing workbooks. Float does not have an Excel add-in — it is web-only. For finance teams that work primarily in Excel, TreasuryFlow fits into existing workflows without requiring a browser tab switch.

Which is better for a $1M–$50M company: Float or TreasuryFlow?

For companies in the $1M–$50M revenue range managing multiple bank accounts, TreasuryFlow is the stronger choice. Float is optimized for small businesses that rely on a single QuickBooks connection. TreasuryFlow's direct bank feeds, 13-week AI forecast, and Excel-native delivery address the needs of controllers and CFOs at mid-market companies.

May 2026 · Comparison

TreasuryFlow vs Float

Float reads your accounting software. TreasuryFlow reads your actual bank accounts. Real-time data, AI categorization, and Excel-native delivery — at a price that makes sense for growing SMBs.

Real bank data via Plaid Excel-native add-in $99/mo per company

Recommended

TTreasuryFlow

$99/mo per company

✓ Real-time bank data via Plaid
✓ AI-powered categorization (Gemini)
✓ Native Excel Add-in + Google Sheets
✓ 13-week rolling forecast (auto-updating)
✓ QuickBooks bidirectional sync
✓ Natural-language treasury assistant
✓ Accountant team access, no per-seat fees

FFloat

From $31/mo

✗ No direct bank connectivity
✗ No AI categorization
✗ Web app only, no Excel
✓ Up to 36-month forecast
~ QBO/Xero read-only
✗ No AI assistant
✗ Revenue-based pricing — climbs as you grow

Feature-by-feature comparison

Both tools forecast cash flow for growing businesses. The table below states where each one differs — verified from each product’s public site, April 2026.

Feature	TreasuryFlow	Float
Direct Bank Connectivity	Plaid (any US bank)	No — relies on QBO/Xero
Real-Time Bank Balances	Yes	No
AI Transaction Categorization	Gemini AI (3-tier pipeline)	No
AI Treasury Assistant	Natural-language chat	No
Cash Flow Forecasting	13/26/52-week rolling	Up to 36 months
Scenario Planning	What-if analysis	Basic scenarios
Excel Native Add-in	Yes — live data in Excel	No
Google Sheets Add-on	Yes	No
Web Portal / Dashboard	Yes	Yes
QuickBooks Integration	Bidirectional sync	Read-only
Xero Integration	Q3 2026	Yes
Multi-Entity Reporting	Reporting Groups (up to 20)	Limited
Cash Health Score	0-100 score, shareable	No
Daily Digest Email	7am ET auto-briefing	No
Budget vs. Actuals	Variance analysis + alerts	Basic budgets
P&L Reporting	With period comparison	No
AR Aging Reports	Customer payment patterns	No
Mobile Access	PWA — installable	Mobile web
Pricing Model	$99/mo per company — unlimited banks and team	From $31/mo, revenue-based
Free Trial	90 days, no card	90 days
Setup Time	Minutes (Plaid connect)	Minutes (QBO/Xero connect)

Float pricing last verified June 2026 (revenue-based, from ~$31/mo); features verified April 2026, from floatapp.com. Report an inaccuracy.

Why finance teams switch from Float

Real bank data, not stale accounting data

Float only sees what your accounting software knows. TreasuryFlow connects directly to your bank accounts via Plaid, giving you real-time balances and transactions — not data that’s hours or days behind.

AI that understands your cash flow

TreasuryFlow’s Gemini-powered AI automatically categorizes transactions, detects anomalies, and answers questions about your cash position in plain English. Float offers no AI capabilities.

Works inside the Excel you already use

No more switching between tabs. TreasuryFlow is the only cash management tool with a native Excel Add-in that pulls live bank data into your existing spreadsheets.

One price, no surprises

$99/mo per company — the AI assistant, accountant team access, and Excel + Google Sheets + web portal are all included, with unlimited banks and no per-seat fees. Add a company, add $99; remove one, stop paying for it.

QuickBooks bidirectional sync

Float reads your QBO data. TreasuryFlow reads and writes — create invoices, push journal entries, and reconcile directly from the dashboard.

Enterprise reporting at SMB pricing

P&L statements, AR aging, vendor analytics, cash health scoring, and daily digest emails — capabilities you’d normally need a $24K/yr platform to access.

A CFO using TreasuryFlow today

“TreasuryFlow is a powerful solution that provides bank account consolidation, dynamic reporting, data visualization and forecasting that your bank can’t offer. Any finance professional responsible for cash flow management would benefit from it.”

MP Matt Picciano CFO, Bonney Plumbing